DCH Credit Union

DCH Credit Union is headquartered in Tuscaloosa and is the 51^st largest credit union in the state of Alabama. It is also the 2,930^th largest credit union in the nation. It was established in 1955 and as of March of 2013, it had grown to 13 employees and 5,010 members. DCH Credit Union has a 3-star health rating.

DCH Credit Union Routing Number: 262277215

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Data for Q1 2013

Institution Statistics DCH NCUA # 63940 BankRate Report View Year Chartered 1955 Employees 13 Primary Regulator Assets and Liabilities Assets $31.40 million Loans $14.83 million Deposits $27.60 million Equity Capital $3.64 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $596,000 Historic Data - March 2012 Assets $34.60 million Equity Capital $3.55 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $386,000 Profit Margin - Quarterly Net Interest Margin 1.89% Return on Assets 0.46% Return on Equity 3.95% Interest Income $311,000 Non-Interest Income $229,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 DCH Credit Union had $596,000 in non-current loans and owned real-estate with $3.91 million in equity and loan loss allowances on hand to cover it. This gives DCH Credit Union a Texas Ratio of 15.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for DCH Credit Union increased slightly from 10.18% as of March 31, 2012 to 15.24% as of March 31, 2013, resulting in a negative change of 49.74%. This indicates that the balance sheet and financial strength for DCH Credit Union has declined slightly in recent periods. Deposit Growth In the past year, DCH Credit Union has decreased its total deposits by -$3.32 million, resulting in -10.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DCH Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DCH Credit Union has $31.4 million in assets with $3.91 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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